Would you like to stop overpaying and find cheaper insurance rates in Seattle, WA? Seattle drivers have a choice when trying to find the best price on Nissan Rogue insurance. You can either spend your time struggling with agents getting price quotes or use the internet to make rate comparisons.
There is a right way and a wrong way to find insurance online and you need to know the best way to quote coverages for a new or used Nissan and find the lowest possible price.
It’s smart to take a look at other company’s rates before your next renewal because insurance prices fluctuate regularly. Even if you think you had the lowest price on Nissan Rogue insurance in Seattle at your last renewal a different company probably has better rates today. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper Nissan Rogue insurance in Seattle.
The purpose of this article is to help educate you on the best ways to compare prices and some tricks to saving. If you are insured now, you will be able to save money using the techniques presented in this article. Smart buyers just need to know the fastest way to buy auto insurance from many different companies online.
Determine discounts on Seattle insurance
Some insurance providers don’t list every discount in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden insurance savings.
- Responsible Driver Discount – Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Safety Course Discount – Taking part in a driver safety course can save you 5% or more and make you a better driver.
- Sign Online – A few larger online companies will discount your bill up to fifty bucks get Seattle car insurance on the internet.
- Driving Data Discount – Seattle drivers who agree to allow their company to look at driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
- Discount for New Cars – Buying a new car instead of a used Rogue can save you some money due to better safety requirements for new model year vehicles.
- More Vehicles More Savings – Buying a policy with more than one vehicle on one policy can reduce rates for all insured vehicles.
- Military Deployment Discount – Being deployed with a military unit may lower your rates slightly.
- Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.
Companies and some of their more popular discounts include:
- The Hartford has discounts for defensive driver, anti-theft, driver training, vehicle fuel type, and good student.
- American Family offers premium reductions for early bird, accident-free, air bags, bundled insurance, TimeAway discount, and mySafetyValet.
- Progressive policyholders can earn discounts including homeowner, online signing, good student, continuous coverage, multi-policy, multi-vehicle, and online quote discount.
- Travelers may include discounts for driver training, new car, IntelliDrive, multi-policy, continuous insurance, and student away at school.
- Farmers Insurance may have discounts that include alternative fuel, pay in full, switch companies, good student, bundle discounts, and business and professional.
- USAA has savings for loyalty savings, multi-policy, driver training, vehicle storage, military installation, and multi-vehicle.
- Liberty Mutual includes discounts for hybrid vehicle, new vehicle discount, teen driver discount, good student, and new move discount.
If you need the cheapest Nissan Rogue rate quotes, ask every prospective company how you can save money. A few discounts might not apply in Seattle. To find insurance companies with the best Nissan Rogue insurance discounts in Washington, click here to view.
The method we recommend to compare insurance rates from multiple companies is to understand most insurance companies pay for the opportunity to compare rate quotes. All you need to do is take a few minutes to give details like if you went to college, whether your vehicle is owned or leased, how much coverage you want, and whether the vehicles are used for commuting. Your information gets sent immediately to many of the top insurers and you will receive price estimates instantly to find the best rate.
To compare rates for your car now, click here and enter the information requested.
The companies shown below have been selected to offer price comparisons in Seattle, WA. If more than one company is shown, it’s highly recommended you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $248 | $526 | $404 | $24 | $120 | $1,322 | $110 |
| Rogue S AWD | $156 | $296 | $450 | $26 | $134 | $1,062 | $89 |
| Rogue SL 2WD | $144 | $264 | $320 | $18 | $96 | $842 | $70 |
| Rogue SL AWD | $218 | $530 | $350 | $20 | $104 | $1,222 | $102 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in specific garaging location which can influence insurance rates greatly.
Choosing deductibles
One of the most common car insurance questions is which comprehensive and collision deductibles to buy. The data tables below sum up the costs and benefits when you select higher and lower insurance deductibles. The first data table uses a $100 deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $254 | $458 | $334 | $20 | $100 | $1,191 | $99 |
| Rogue S AWD | $254 | $458 | $334 | $20 | $100 | $1,191 | $99 |
| Rogue SL 2WD | $254 | $458 | $334 | $20 | $100 | $1,191 | $99 |
| Rogue SL AWD | $254 | $540 | $334 | $20 | $100 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rogue S 2WD | $140 | $242 | $334 | $20 | $100 | $836 | $70 |
| Rogue S AWD | $140 | $242 | $334 | $20 | $100 | $836 | $70 |
| Rogue SL 2WD | $140 | $242 | $334 | $20 | $100 | $836 | $70 |
| Rogue SL AWD | $140 | $284 | $334 | $20 | $100 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in Seattle location which can raise or lower price quotes noticeably.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $30 more each month or $360 for a full year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 30 months between claim filings, you would probably be better off if you elect the higher deductible.
Insurance can be complex
When selecting the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that.
These are some specific questions may help you determine whether your personal situation may require specific advice.
- Why am I required to get a high-risk car insurance policy?
- Will damage be repaired with OEM parts?
- Is my cargo covered for damage or theft?
- How long can I keep a teen driver on my policy?
- Who sells insurance for high-risk drivers?
- What discounts do I qualify for?
- Do I need special coverage while pulling a rented trailer?
- What is the difference between comprehensive and collision coverage?
- Do I have ACV or replacement cost coverage?
- Am I covered if I back into my garage door?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Car insurance is available from agents near you
A small number of people just want to talk to a local agent and that is OK! Professional insurance agents will help you protect your assets and help you file claims. The biggest benefit of getting free rate quotes online is that you can find lower rates but still work with a licensed agent. And buying from local agencies is especially important in Seattle.
By using this form (opens in new window), the coverage information is submitted to insurance agents in Seattle that can give you free Seattle car insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies since price quotes are sent to the email address you provide. If for some reason you want to compare rates from a particular provider, you just need to find their quoting web page and fill out the quote form the provide.
If you are wanting to purchase car insurance from a good insurance agency, there are a couple of types of insurance agents and how they differ in how they can insure your vehicles. Car insurance agents in Seattle are either independent agents or exclusive agents. Either type can insure your vehicles properly, but we need to point out how they are different since it can impact the type of agent you choose.
Independent Agencies or Brokers
Agents that elect to be independent do not write with just one company and that is an advantage because they can write policies through many different car insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to do anything. If you are comparing rate quotes, we recommend you get some free quotes from multiple independent agents so that you can do a thorough price comparison. Most independent agents also contract with small mutual carriers which may have better rates.
Shown below is a short list of independent agencies in Seattle that can give you price quotes.
- Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map - Roy Potter Insurance
412 Queen Anne Ave N – Seattle, WA 98109 – (206) 284-0470 – View Map - BGI Agency Network Inc
4634 E Marginal Way S C 140 – Seattle, WA 98134 – (206) 682-9990 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel write business for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to shop your coverage around so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on the products they sell which helps them compete with independent agents. Consumers often buy from exclusive agents mainly due to the prominence of the brand instead of buying on price only.
Shown below is a list of exclusive insurance agents in Seattle who can help you get price quotes.
- Heather Proctor – State Farm Insurance Agent
2600 SW Barton St, Ste E22 – Seattle, WA 98126 – (206) 935-3922 – View Map - Kent Christianson – State Farm Insurance Agent
1705 N 45th, Ste A – Seattle, WA 98103 – (206) 632-8000 – View Map - Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104 – Seattle, WA 98115 – (206) 985-2528 – View Map
Finding the right auto insurance agent should include more criteria than just the bottom line cost. These are valid questions to ask:
- Are they paid to recommend certain coverages?
- Are there any discounts for paying up front?
- How long have they been in business?
- Is the agency covered by Errors and Omissions coverage?
- What are their preferred companies if they are an independent agency?
- Does the company have a local claim office in Seattle?
Auto insurance policy coverages for a Nissan Rogue
Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.
Uninsured or underinsured coverage
This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Nissan Rogue.
Because many people have only the minimum liability required by law (25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually these limits are set the same as your liability limits.
Collision protection
This pays for damage to your Rogue from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible on your Rogue to get cheaper collision coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance reimburse you for expenses for chiropractic care, funeral costs, rehabilitation expenses, ambulance fees and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Liability
This will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/10 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $10,000 of coverage for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things like structural damage, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible. Washington state law requires minimum liability limits of 25/50/10 but it’s recommended drivers buy more liability than the minimum.
Comprehensive protection
This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as falling objects, hitting a deer, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Shop smart and save
Cheap Nissan Rogue insurance in Seattle is available online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these small, regional companies work with independent insurance agencies.
You just learned some good ideas how to get a better price on Nissan Rogue insurance in Seattle. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best rates are with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.
To learn more, take a look at these articles:
- Should I Buy a New or Used Car? (Allstate)
- What Car Insurance is Cheapest for a Ford Fusion in Seattle? (FAQ)
- How Much is Seattle Auto Insurance for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Seattle Car Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Seattle? (FAQ)
- Who Has Cheap Seattle Car Insurance Quotes for Active Military? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)